The very best Mint alternate options

It has been a number of months since Intuit shut down the favored budgeting app Mint. I used to be a Mint consumer for a few years; thousands and thousands of different customers like me loved how simply Mint allowed us to trace all accounts in a single place and monitor credit score scores. I additionally used it repeatedly to assist me observe spending, set targets like pay my mortgage down quicker and with basic cash administration.

Forward of Mint’s demise, I gave Credit Karma, Intuit’s different monetary app, a attempt however discovered it to be a poor Mint various. So I got down to discover a true alternative in one other budgeting app. The next information lays out my expertise testing a few of the hottest Mint alternative apps obtainable immediately. Our decide for finest Mint various stays Quicken Simplifi, even months after the Mint shutting down, due to its simple to make use of app, good revenue and invoice detection and its inexpensive worth. However there are many different strong choices on the market for these with totally different wants. When you’re additionally on the hunt for a budgeting app to interchange Mint, we hope these particulars might help you resolve which of the best budgeting apps on the market will likely be best for you.

Finest Mint alternate options in 2024

Quicken

Month-to-month price: $4 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

A whole, easy-to-use app that prices lower than the competitors — and feels essentially the most like Mint.

Execs

• Simple-to-use app with a delicate studying curve
• Does a superb job detecting recurring revenue and payments
• Inexpensive than the competitors
• Permits you to share app entry with a partner or monetary advisor
• Useful refund tracker

Cons

• No free trial
• You’ll be able to’t create an account utilizing your Apple or Google ID
• No Zillow integration

$48/year at Quicken

No pun supposed, however what I like about Quicken Simplifi is its simplicity. Whereas different budgeting apps attempt to distinguish themselves with darkish themes and customizable emoji, Simplifi has a clear consumer interface, with a touchdown web page that you just simply hold scrolling by to get an in depth overview of all of your stats. These embrace your top-line balances; internet price; current spending; upcoming recurring funds; a snapshot of your spending plan; prime spending classes; achievements; and any watchlists you’ve arrange. You can too arrange financial savings targets elsewhere within the app. I additionally admire the way it gives neat, virtually playful visualizations with out ever trying cluttered. I felt at residence within the cellular and internet dashboards after a day or so, which is quicker than I tailored to some competing companies (I’m you, YNAB and Monarch).

Getting arrange with Simplifi was largely painless. I used to be notably impressed at how simply it related to Constancy; not all finances trackers do, for no matter cause. That is additionally one of many solely companies I examined that provides you the choice of inviting a partner or monetary advisor to co-manage your account. One factor I might add to my preliminary evaluation of the app, having used it for a number of months now: I want Simplifi provided Zillow integration for simply monitoring your property worth (or at the least a tough estimate of it). Numerous rivals together with Monarch Cash and Copilot Cash work with Zillow, so clearly there is a Zillow API obtainable to be used. Because it stands, Simplifi customers should add actual property manually like every other asset.

In apply, Simplifi miscategorized a few of my bills, however nothing out of the strange in comparison with any of those finances trackers. As you’re reviewing transactions, you may also mark for those who’re anticipating a refund, which is a singular function among the many companies I examined. Simplifi additionally estimated my common revenue higher than another apps I examined. Most of all, I appreciated the choice of with the ability to categorize some, however not all, purchases from a service provider as recurring. As an example, I can add my two Amazon subscribe-and-saves as recurring funds, with out having to create a broad-strokes rule for each Amazon buy.

The budgeting function can also be self-explanatory and may possible accommodate your most popular budgeting technique. Simply examine that your common revenue is correct and make sure to arrange recurring funds, making observe of that are payments and that are subscriptions. That is necessary as a result of Simplifi exhibits you your whole take-home revenue in addition to an “revenue after payments” determine. That quantity consists of, properly, payments however not discretionary subscriptions. From there, you’ll be able to add spending targets by class within the “deliberate spending” bucket. Deliberate spending also can embrace one-time expenditures, not simply month-to-month budgets. If you create a finances, Simplifi will recommend a quantity based mostly on a six-month common.

Not dealbreakers, however two issues to bear in mind as you get began: Simplifi is notable in you can’t arrange an account by Apple or Google. There may be additionally no choice for a free trial, although Quicken guarantees a “30-day a reimbursement assure.”

Monarch Cash

Month-to-month price: Begins at $9 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

A sturdy budgeting app that’s a little bit more durable to make use of than our prime decide, however not prohibitively so. (Energy customers won’t thoughts.)

Execs

• A number of element and alternatives for personalisation
• Useful “targets” function
• You’ll be able to grant account entry to different individuals
• Chrome extension for importing from Mint
• Month-in-review recap is extra thorough than most
• Automotive worth syncing
• Zillow integration

Cons

• Steeper studying curve than another finances trackers
• The cellular app feels restricted and fewer intuitive than the net model
• Doesn’t appear to differentiate between payments and different recurring bills
• Some bugginess on cellular round creating guidelines for expense classes

$50 a year at Monarch Money

Monarch Money grew on me. My first impression of the budgeting app, which was based by a former Mint product supervisor, was that it is harder to make use of than others on this record, together with Simplifi, NerdWallet and Copilot. And it’s. Enhancing expense classes, including recurring transactions and creating guidelines, for instance, is a bit more sophisticated than it must be, particularly within the cellular app. (My recommendation: Use the net app for fine-tuning particulars.) Monarch additionally didn’t get my revenue proper; I needed to edit it.

When you’re arrange, although, Monarch gives a powerful degree of granularity. Within the budgets part, you’ll be able to see a bona fide steadiness sheet exhibiting budgets and actuals for every class. You will additionally discover a forecast, for the 12 months or by month. And recurring bills will be set not simply by service provider, however different parameters as properly. As an example, whereas most Amazon purchases is likely to be marked as “buying,” these for the quantities of $54.18 or $34.18 are positively child provides, and will be robotically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no strategy to mark sure recurring funds as payments, particularly.

Not lengthy after I first printed this story in December 2023, Monarch introduced an in depth reporting part the place you’ll be able to create on-demand graphs based mostly on issues like accounts, classes and tags. That function is obtainable simply on the net model of the app for now. As a part of this similar replace, Monarch added help for an aggregator that makes it doable to robotically replace the worth of your automobile. This, mixed with the present Zillow integration for monitoring your property worth, makes it simple to shortly add a non-liquid asset like a car or actual property, and have it present up in your internet price graph.

The cellular app is usually self-explanatory. The principle dashboard exhibits your internet price; your 4 most up-to-date transactions; a month-over-month spending comparability; revenue month-to-date; upcoming payments; an investments snapshot; a listing of any targets you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money move; prime revenue and expense classes; money move developments; adjustments to your internet price, belongings and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the net worth graph, in order that for those who click on on the Accounts tab you’ll be able to see how your internet price modified over totally different intervals of time, together with one month, three months, six months, a 12 months or all time.

On the primary display, you’ll additionally discover tabs for accounts, transactions, money move, finances and recurring. Like most of the different apps featured right here, Monarch can auto-detect recurring bills and revenue, even when it will get the class flawed. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll be able to customise for those who’re so inclined.

Monarch Cash makes use of a mix of networks to attach with banks, together with Plaid, MX and Finicity, a competing community owned by Mastercard. (I’ve a fast explainer on Plaid, the trade commonplace on this area, towards the tip of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach by these different two networks, if for some cause Plaid fails. Much like NerdWallet, I discovered myself finishing two-factor authentication each time I wished to get previous the Plaid display so as to add one other account. Notably, Monarch is the one different app I examined that means that you can grant entry to another person in your loved ones — possible a partner or monetary advisor. Monarch additionally has a Chrome extension for importing from Mint, although actually that is only a shortcut for downloading a CSV file, which you’ll should do no matter the place you select to take your Mint knowledge.

Moreover, Monarch simply added the power to trace Apple Card, Apple Money, and Financial savings accounts, due to new performance introduced with the iOS 17.4 replace. It is not the one one both; at the moment, Copilot and YNAB have additionally added comparable performance that will likely be obtainable to anybody with the most recent variations of their respective apps on a tool working iOS 17.4. As an alternative of manually importing statements, the brand new performance permits apps like Monarch’s to robotically pull in transactions and steadiness historical past. That ought to make it simpler to account for spending on Apple playing cards and accounts all through the month.

Monarch additionally not too long ago launched funding transactions in beta. It additionally says invoice monitoring and an overhauled targets system are coming quickly. Monarch hasn’t supplied a timeline for that final one, besides to say that the improved targets function is coming in early 2024.

Copilot Cash

Month-to-month price: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS

A fantastically designed and fairly priced app with numerous options in improvement — together with Android and internet apps.

Execs

• Slick UI
• Standalone Mac app
• Decrease month-to-month worth than some competing apps
• Does a superb job visualizing recurring bills
• Elective Amazon, Venmo and Zillow integration
• “To evaluate” part is helpful

Cons

• No internet or Android app but
• Miscategorized extra bills than our prime decide
• A number of in any other case frequent options are nonetheless in improvement

Two months free at Copilot Money

Copilot Money is likely to be the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — at the least for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and internet apps are coming in 2024 (extra possible the second half of the 12 months, Ugarte tells me). However till it follows by, I can’t advocate Copilot for most individuals with so many good rivals on the market.

There are different options that Copilot is lacking, which I’ll get into. However it’s promising, and one to keep watch over. It’s only a quick, environment friendly, properly designed app, and Android customers will likely be in for a deal with after they’ll lastly be capable to obtain it. It makes good use of colours, emoji and graphs that will help you perceive at a look the way you’re doing on every thing out of your budgets to your funding efficiency to your bank card debt over time. Particularly, Copilot does a greater job than virtually every other app of visualizing your recurring month-to-month bills.

Behind these punchy colours and cutesy emoji, although, is a few refined efficiency. Copilot’s AI-powered “Intelligence” will get smarter as you go at categorizing your bills. (You can too add your individual classes, full along with your alternative of emoji.) It’s not good. Copilot miscategorized some purchases (all of them do), but it surely makes it simpler to edit than most. On prime of that, the interior search function may be very quick; it begins whittling down ends in your transaction historical past as quickly as you start typing.

Copilot can also be distinctive in providing Amazon and Venmo integrations, permitting you to see transaction particulars. With Amazon, this requires simply signing into your Amazon account through an in-app browser. For Venmo, it’s important to arrange fwd@copilot.cash as a forwarding handle after which create a filter, whereby emails from venmo@venmo.com are robotically forwarded to fwd@copilot.cash. Like Monarch Cash, you may also add any property you personal and observe its worth by Zillow, which is built-in with the app.

Whereas the app is closely automated, I nonetheless admire that Copilot marks new transactions for evaluate. It’s a great way to each weed out fraudulent expenses, and in addition be considerably intentional about your spending habits.

Like Monarch Cash, Copilot up to date its app to make it simpler to hook up with banks by networks apart from Plaid. As a part of the identical replace, Copilot stated it has improved its connections to each American Categorical and Constancy which, once more, could be a bugbear for some finances monitoring apps. In an much more current replace, Copilot added a Mint import choice, which different budgeting apps have begun to supply as properly.

As a result of the app is comparatively new (it launched in early 2020), the corporate continues to be catching as much as the competitors on some table-stakes options. Ugarte informed me that his group is nearly executed constructing out an in depth money move part, which might launch earlier than the tip of 2023, however extra possible in early 2024. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its sensible expense categorization. These embrace “sensible monetary targets,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to offer individuals a way of how they’re doing in comparison with different Copilot customers, on each spending and funding efficiency. Most of those options ought to arrive within the new 12 months.

Copilot does a pair attention-grabbing issues for brand new clients that distinguish it from the competitors. There’s a “demo mode” that looks like a sport simulator; no want so as to add your individual accounts. The corporate can also be providing two free months with RIPMINT — a extra beneficiant introductory provide than most. When it lastly does come time to pony up, the $7.92 month-to-month plan is cheaper than some competing apps, though the $95-a-year-option is in the identical ballpark.

NerdWallet

Month-to-month price: $0 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

The very best free finances monitoring app you may get (and there aren’t many compromises in addition to the ever-present advertisements).

Execs

• Free
• Simple to make use of
• Useful weekly insights
• NerdWallet has a deep properly of useful monetary explainers and guides
• One of many few choices that gives credit score rating monitoring

Cons

• Adverts in all places
• No customization for spending classes
• Much less adept at detecting common revenue
• One of many extra tedious setup processes

Free at NerdWallet

You could know NerdWallet as a website that gives a mixture of private finance information, explainers and guides. I see it usually after I google a monetary time period I don’t know and positive sufficient, it’s one of many websites I’m most definitely to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. In actual fact, there isn’t a paid model; nothing is locked behind a paywall. The principle catch: There are advertisements in all places. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card gives, NerdWallet has a clear, easy-to-understand consumer interface, which incorporates each an internet and a cellular app. The important thing metrics that it highlights most prominently are your money move, internet price and credit score rating. (Of observe, though Mint itself provided credit score rating monitoring, most of its rivals don’t.) I notably loved the weekly insights, which delve into issues like the place you spent essentially the most cash or how a lot you paid in charges — and the way that compares to the earlier month. As a result of that is NerdWallet, an encyclopedia of monetary data, you get some notably particular class choices when establishing your accounts (assume: a Roth or non-Roth IRA).

As a budgeting app, NerdWallet is greater than serviceable, if a bit primary. Like different apps I examined, you’ll be able to arrange recurring payments. Importantly, it follows the favored 50/30/20 budgeting rule, which has you placing 50% of your finances towards stuff you want, 30% towards stuff you need, and the remaining 20% into financial savings or debt repayments. If this works for you, nice — simply know you can’t customise your finances to the identical diploma as some competing apps. You’ll be able to’t at the moment create customized spending classes, although a observe contained in the dashboard part of the app says “you’ll be capable to customise them sooner or later.” You can also’t transfer gadgets from the desires column to “wants” or vice versa however “Sooner or later, you’ll transfer particular transactions to actively handle what falls into every group.” A NerdWallet spokesperson declined to offer an ETA, although.

Lastly, it’s price noting that NerdWallet had probably the most onerous setup processes of any app I examined. I don’t assume it is a dealbreaker, as you’ll solely should do it as soon as and, hopefully, you aren’t establishing six or seven apps in tandem as I used to be. What made NerdWallet’s onboarding particularly tedious is that each time I wished so as to add an account, I needed to undergo a two-factor authentication course of to even get previous the Plaid splash display, and that’s not together with the 2FA I had arrange at every of my banks. This can be a safety coverage on NerdWallet’s finish, not Plaid’s, a Plaid spokesperson says.

Exactly as a result of NerdWallet is likely one of the solely finances trackers to supply credit score rating monitoring, it additionally wants extra of your private data throughout setup, together with your birthday, handle, cellphone quantity and the final 4 digits of your social safety quantity. It’s the identical with Credit score Karma, which additionally does credit score rating monitoring.

Associated to the setup course of, I discovered that NerdWallet was much less adept than different apps at robotically detecting my common revenue. In my case, it counted a big one-time wire switch as revenue, at which level my solely different choice was to enter my revenue manually (which is barely annoying as a result of I might have wanted my pay stub helpful to double-check my take-home pay).

YNAB

Month-to-month price: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

An app with a cult following that promotes a special, extra hands-on method to budgeting. Not for individuals who desire a set-and-forget expertise.

Execs

• Significantly robust emphasis on budgeting
• Distinctive “zero-dollar” method to monetary planning that some individuals swear by

Cons

• Steep studying curve
• More durable to make use of sure options on the cellular app than on the net

$99 a year or $14.99 a month at YNAB

YNAB is, by its own admission, “totally different from something you’ve tried earlier than.” The app, whose title is brief for You Want a Finances, promotes a so-called zero-based budgeting system, which forces you to assign a objective for each greenback you earn. A continuously used analogy is to place every greenback in an envelope; you’ll be able to at all times transfer cash from one envelope to a different in a pinch. These envelopes can embrace lease and utilities, together with unexpected bills like vacation items and the inevitable automobile restore. The concept is that for those who finances a specific amount for the unknowns every month, they received’t really feel like they’re sneaking up on you.

Importantly, YNAB is just involved with the cash you might have in your accounts now. The app doesn’t ask you to offer your take-home revenue or arrange recurring revenue funds (though there’s a manner to do that). The cash you’ll make later within the month by your salaried job isn’t related, as a result of YNAB doesn’t have interaction in forecasting.

The app is more durable to study than every other right here, and it requires extra ongoing effort from the consumer. And YNAB is aware of that. Inside each the cellular and internet apps are hyperlinks to movies and different tutorials. Though I by no means fairly received snug with the consumer interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new finances every month and to evaluate every transaction isn’t essentially a foul factor. As YNAB says on its web site, “Certain, you’ve received pie charts exhibiting that you just spent an obscene amount of cash in eating places — however you’ve nonetheless spent an obscene amount of cash in eating places.” I can see this method being helpful for individuals who don’t are likely to have a variety of money in reserve at a given time, or who’ve spending habits they need to appropriate (to riff off of YNAB’s personal instance, ordering Seamless 4 occasions every week).

My colleague Valentina Palladino, understanding I used to be engaged on this information, penned a respectful rebuttal, explaining why she’s been utilizing YNAB for years. Maybe, like her, you might have main financial savings targets you need to obtain, whether or not it’s paying for a marriage or shopping for a home. I recommend you give her column a learn. For me, although, YNAB’s method looks like overkill.

PocketGuard

Month-to-month price: Begins at $6 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

A barely rougher-around-the-edges consumer expertise, however you continue to get numerous performance for a lower cost than others and extra options coming in early 2024.

Execs

• One of many solely finances trackers with a free plan
• You’ll be able to keep away from an ongoing subscription price by choosing a one-time lifetime license
• Inexpensive than most rivals
• Useful “upcoming payments” view within the app

Cons

• The free model is so restricted that the “free” label feels deceptive; the consumer expertise feels much less polished than some competing apps
• The online app doesn’t reap the benefits of the bigger display area on desktop

$7.99 a month or $34.99 a year at PocketGuard

PocketGuard is likely one of the solely respected free finances trackers I discovered in my analysis. Simply comprehend it’s much more restricted on the free tier than NerdWallet or Mint. In my testing, I used to be prompted to pay after I tried to hyperlink greater than two financial institution accounts. A lot free of charge, until you retain issues easy with one money account and one bank card. When it comes time to improve to PocketGuard Plus, you might have three choices: pay $7.99 a month, $34.99 a 12 months or $79.99 for a one-time lifetime license. That lifetime choice is definitely one of many few distinctive promoting factors for me: I’m positive some individuals will admire paying as soon as and by no means having to, uh, finances for it once more.

From the primary display, you’ll see tabs for accounts, insights, transactions and the “Plan,” which is the place you see recurring funds stacked on prime of what seems to be like a finances. The principle overview display exhibits you your internet price, whole belongings and money owed; internet revenue and whole spending for the month; upcoming payments; a helpful reminder of when your subsequent paycheck lands; any debt payoff plan you might have; and any targets.

Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” method, the place you enter your entire recurring payments, after which PocketGuard exhibits you what’s left, and that’s what you’re alleged to be budgeting: your disposable revenue. Clearly, different apps have a special philosophy: bear in mind your entire post-tax revenue and use it to pay the payments, buy stuff you need and perhaps even save a little bit. However in PocketGuard, it’s the “in your pocket” quantity that’s most outstanding. To PocketGuard’s credit score, it does a superb job visualizing which payments are upcoming and which of them you’ve already paid.

PocketGuard has additionally publicly committed to including some widespread options in early 2024. These embrace rollover budgeting in January 2024, categorization guidelines in February and shared family entry in March.

Though PocketGuard’s UI is straightforward sufficient to grasp, it lacks polish. The “accounts” tab is a little bit busy, and doesn’t present totals for classes like money or investments. Seemingly small particulars like weirdly phrased or punctuated copy sometimes make the app really feel janky. Greater than as soon as, it prompted me to replace the app when no updates had been obtainable. The online model, in the meantime, feels just like the cellular app blown as much as a bigger format and doesn’t reap the benefits of the additional display actual property.

Of observe, though PocketGuard does work with Plaid, its main bank-connecting platform is definitely Finicity. Establishing my accounts by Finicity was largely an easy course of. I did encounter one hiccup: Finicity wouldn’t connect with my SoFi account. I used to be in a position to do it by Plaid, however PocketGuard doesn’t make it simple to entry Plaid within the app. The one manner, so far as I can inform, is to knowingly seek for the title of a financial institution that isn’t obtainable by Finicity, at which level you get the choice to attempt Plaid as an alternative. Like I stated: the expertise will be janky.

What’s Plaid and the way does it work?

Every of the apps I examined makes use of the identical underlying community, referred to as Plaid, to drag in monetary knowledge, so it’s price explaining in its personal part what it’s and the way it works. Plaid was based as a fintech startup in 2013 and is immediately the trade commonplace in connecting banks with third-party apps. Plaid works with over 12,000 monetary establishments throughout the US, Canada and Europe. Moreover, greater than 8,000 third-party apps and companies depend on Plaid, the company claims.

To be clear, you don’t want a devoted Plaid app to make use of it; the know-how is baked into a big selection of apps, together with the finances trackers I examined for this information. As soon as you discover the “add an account” choice in whichever one you’re utilizing, you’ll see a menu of generally used banks. There’s additionally a search area you should use to look yours up immediately. As soon as you discover yours, you’ll be prompted to enter your login credentials. In case you have two-factor authentication arrange, you’ll must enter a one-time passcode as properly.

Because the intermediary, Plaid is a passthrough for data that will embrace your account balances, transaction historical past, account kind and routing or account quantity. Plaid makes use of encryption, and says it has a coverage of not promoting or renting buyer knowledge to different firms. Nonetheless, I might not be doing my job if I didn’t observe that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for amassing “extra monetary knowledge than was wanted.” As a part of the settlement, Plaid was compelled to alter a few of its enterprise practices.

In a press release supplied to Engadget, a Plaid spokesperson stated the corporate continues to disclaim the allegations underpinning the lawsuit and that “the crux of the non-financial phrases within the settlement are targeted on us accelerating workstreams already underway associated to giving individuals extra transparency into Plaid’s position in connecting their accounts, and guaranteeing that our workstreams round knowledge minimization stay on observe.”

My prime Mint various picks: Quicken Simplifi and Copilot Cash

To conclude, you is likely to be questioning what app I made a decision on for myself in any case of this analysis. The reply is definitely two apps: Quicken Simplifi, my general prime decide, and Copilot Cash. For now, I’m actively utilizing each apps and nonetheless deciding, long-term, which I really feel extra snug with. I are likely to choose Copilot’s quick, colourful consumer interface, however as I defined above, it is too missing in table-stakes options for me to go as far as to call it the most effective general choice.

Learn how to import your monetary knowledge from the Mint app

Mint customers ought to think about getting their knowledge able to migrate to their new budgeting app of alternative quickly. Sadly, importing knowledge from Mint isn’t as simple as getting into your credentials from inside your new app and hitting “import.” In actual fact, any app that advertises the power to port over your stats from Mint is simply going to have you ever add a CSV file of transactions and different knowledge.

To obtain a CSV file from Mint, do the next:

1. Signal into Mint.com and hit Transactions within the menu on the left facet of the display.

2. Choose an account, or all accounts.

3. Scroll down and search for “export [number] transactions” in smaller print.

4. Your CSV file ought to start downloading.

Notice: Downloading on a per-account foundation may appear extra annoying, however might enable you get arrange on the opposite facet, if the app you’re utilizing has you importing transactions one-for-one into their corresponding accounts.

How we examined Mint alternate options

Earlier than I dove into the world of budgeting apps, I had to do a little analysis. To discover a record of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn critiques of widespread apps on the App Retailer; and in addition requested pals and colleagues what finances monitoring apps they is likely to be utilizing. Among the apps I discovered had been free, identical to Mint. These, after all, present a great deal of advertisements (excuse me, “gives”) to remain in enterprise. However many of the obtainable apps require paid subscriptions, with costs sometimes topping out round $100 a 12 months, or $15 a month. (Spoiler: My prime decide is cheaper than that.)

Since this information is supposed to assist Mint customers discover a everlasting alternative, any companies I selected to check wanted to do a number of issues: import your entire account knowledge into one place; provide budgeting instruments; and observe your spending, internet price and credit score rating. Besides the place famous, all of those apps can be found for iOS, Android and on the net.

As soon as I had my shortlist of six apps, I started working setting them up. For the sake of totally testing these apps (and keep in mind, I actually was searching for a Mint alternative myself), I made some extent of including each account to each budgeting app, regardless of how small or immaterial the steadiness. What ensued was a veritable Groundhog Day of two-factor authentication. Simply hours of getting into passwords and one-time passcodes, for a similar banks half a dozen occasions over. Hopefully, you solely have to do that as soon as.

What about Rocket Cash?

Rocket Money is one other free monetary app that tracks spending and helps issues like steadiness alerts and account linking. When you pay for the premium tier, the service also can enable you cancel undesirable subscriptions. We didn’t check it for this information, however we’ll think about it in future updates.